{"filings":[{"id":470360,"accession_number":"0001823529-26-000127","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2026-05-15T20:01:34+00:00","items":["5.07"],"status":"ready","headline":"Enact Holdings stockholders elect directors, approve executive pay, ratify KPMG at 2026 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 11 director nominees were elected; Thomas J. McInerney received 127,998,214 For (92.6% of votes cast).","Advisory vote on executive compensation passed with 137,729,223 For (99.6% of votes cast).","Ratification of KPMG as independent auditor for 2026 passed with 138,540,938 For (99.45% of votes cast).","Broker non-votes totaled 1,032,773 on director election and executive compensation proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95857,"accession_number":"0001823529-26-000106","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q1 net income $168M, EPS $1.18; NIW up 30% YoY; dividend raised 14% to $0.24","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $168M ($1.18/dil); adjusted operating income $172M ($1.21/dil).","New insurance written $13B, up 30% YoY; primary insurance in-force $272B, up 2% YoY.","Loss ratio 15% vs 12% YoY; net reserve release $39M; operating expenses $49M, expense ratio 20%.","Repurchased 2.3M shares for $93M in Q1; $438M remaining under $500M authorization.","Quarterly dividend increased 14% to $0.24/share, payable June 18 to holders of record May 28; S&P upgraded outlook to positive."],"consensus_eps_estimate":null,"consensus_eps_actual":1.18,"consensus_revenue_estimate":null,"consensus_revenue_actual":312069000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109212,"accession_number":"0001823529-26-000003","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2026-02-03T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Enact Q4 net income $177M, EPS $1.22; new $500M buyback program and $0.21 quarterly dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 net income $177M ($1.22 diluted EPS); adjusted operating income $179M ($1.23 diluted EPS).","Full-year 2025 net income $674M ($4.52 EPS); adjusted operating income $688M ($4.61 EPS).","Loss ratio fell to 7% on $60M net reserve release as claim rate expectation lowered to 8%.","Board approved $500M new share repurchase authorization; existing $350M program has $30M remaining.","Quarterly dividend of $0.21 per share declared, payable March 19, 2026 to holders of record Feb 26, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":4.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":1235827000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":125704,"accession_number":"0001823529-25-000225","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Holdings Q3 net income $163M ($1.10/sh), raises 2025 capital return target to ~$500M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $163M ($1.10/sh) vs $181M ($1.15/sh) YoY; adjusted operating income $166M ($1.12/sh).","Primary IIF $272B (+2% YoY); PMIERs sufficiency 162% (~$1.9B above requirements).","2025 capital return guidance raised to ~$500M; quarterly dividend $0.21/sh payable Dec 11.","Repurchased 2.8M shares at avg $37.23 in Q3; new $435M revolver replaced $200M facility.","Loss ratio 15% (vs 5% YoY); net premiums earned flat at $245M; Moody's/A.M. Best upgrades."],"consensus_eps_estimate":null,"consensus_eps_actual":3.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":923121000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":125703,"accession_number":"0001823529-25-000219","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-10-01T23:59:59+00:00","items":["1.01","1.02","2.03","9.01"],"status":"ready","headline":"Enact Holdings enters $435M revolving credit facility, replacing $200M prior facility","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["New $435M revolver matures Sept 30, 2030; undrawn at closing on Sept 30, 2025.","Replaces prior $200M facility dated June 30, 2022, which was terminated same day.","Financial covenants: min consolidated net worth $3.729B + 50% of positive net income; max debt-to-capital 0.35:1.00.","Includes a $217.5M accordion feature; interest margin based on Senior Unsecured Rating (currently 0.175% commitment fee).","Margin for Term SOFR loans ranges from 1.00% (Level I) to 2.00% (Level VI); ABR margin from 0.00% to 1.00%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142435,"accession_number":"0001823529-25-000184","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q2 net income $168M ($1.11 EPS); raises 2025 capital return guidance to ~$400M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $168M ($1.11 diluted EPS) vs $184M ($1.16) a year ago; adjusted operating income $174M ($1.15).","NIW $13B, up 35% QoQ but down modestly YoY; primary IIF $270B (+1% YoY); persistency 82%.","Loss ratio 10% with $48M reserve release; expense ratio 22%; net investment income $66M.","Repurchased 2.4M shares for ~$85M in Q2; remaining $262M under $350M authorization.","Board declared $0.21/share dividend payable Sept 8; full-year 2025 capital return guidance raised to ~$400M."],"consensus_eps_estimate":null,"consensus_eps_actual":2.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":611666000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160476,"accession_number":"0001823529-25-000146","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-05-19T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Enact Holdings shareholders elect all 11 director nominees, approve say-on-pay, ratify KPMG","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 11 management director nominees elected; Dominic Addesso received 146.6M votes for, 78.5K withheld.","Advisory say-on-pay passed with 145.1M votes for, 1.4M against, 96.4K abstentions.","KPMG ratified as independent auditor for fiscal 2025 with 147.4M for, 1.3M against, 295 abstentions.","Broker non-votes of 2.1M on director election and say-on-pay proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160475,"accession_number":"0001823529-25-000121","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Enact Q1 net income $166M ($1.08 EPS); dividend raised 14% to $0.21; new $350M buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $166M ($1.08 diluted EPS); adjusted operating income $169M ($1.10 diluted EPS).","NIW $10B (-26% QoQ, -7% YoY); primary IIF $268B (+2% YoY); loss ratio 12% (vs 8% YoY).","PMIERs sufficiency 165% ($2.0B above requirements); Fitch upgraded EMICO to A from A-.","Quarterly dividend raised 14% to $0.21/share, payable June 11; new $350M repurchase authorization.","Q1 share repurchases: 2.0M shares at avg $33.38; additional $21M through April 25."],"consensus_eps_estimate":null,"consensus_eps_actual":1.08,"consensus_revenue_estimate":null,"consensus_revenue_actual":306776000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.82,"calibrated_materiality_score":0.82,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178727,"accession_number":"0001823529-25-000077","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-03-11T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Enact board gains Mitchell; Waleski not seeking re-election at May 2025 meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Anne G. Waleski will not stand for re-election at Enact's 2025 Annual Meeting on May 14, 2025; no disagreement with company.","H. Elizabeth Mitchell appointed as independent director effective March 11, 2025; also joins Audit Committee.","Board temporarily expands from 11 to 12 members; will revert to 11 after the annual meeting.","Mitchell currently serves on boards of Selective Insurance (SIGI) and Principal Financial Group (PFG).","Waleski to continue as Audit Committee chair and on Nominating & Corporate Governance Committee until meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178726,"accession_number":"0001823529-25-000004","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-02-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact reports Q4 net income $163M ($1.05 EPS); declares $0.185 quarterly dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $163M ($1.05/share); adjusted operating income $169M ($1.09/share) for Q4 2024.","Record primary insurance in-force $269B, up 2% YoY; PMIERs sufficiency 167% or $2.05B.","Loss ratio increased to 10% in Q4 from 5% in Q3 due to lower reserve release and higher new delinquencies.","Returned $354M to shareholders in 2024; Board declares $0.185/share quarterly dividend payable March 14.","Fitch upgraded EMICO insurer financial strength rating to A from A- in January 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":4.37,"consensus_revenue_estimate":null,"consensus_revenue_actual":1201774000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195394,"accession_number":"0001823529-24-000242","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-12-09T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Enact Holdings amends bylaws to update stockholder nomination and proposal procedures","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Revised process and disclosure requirements for stockholder director nominations and proposals (non-Rule 14a-8).","Stockholders soliciting proxies must certify compliance with SEC Rule 14a-19 (universal proxy rules).","Chairperson's determination on proper business at meetings now subject to Board supervision.","Includes routine, ministerial, and conforming changes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195393,"accession_number":"0001823529-24-000209","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-11-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q3 net income $181M, $1.15 EPS; record IIF $268B; announces $0.185 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $181M ($1.15 diluted), vs $184M ($1.16) in Q2 2024 and $164M ($1.02) in Q3 2023.","Adjusted operating income $182M ($1.16 diluted), down from $201M in Q2 on higher losses and lower reserve release.","Record primary insurance in-force $268B, up 2% YoY; NIW flat at $14B but down 6% YoY on estimated lower market share.","PMIERs sufficiency 173% ($2.19B above requirements); share repurchases $71M in Q3, $30M through Oct 31; $137M remaining authorization.","Quarterly dividend of $0.185/share declared, payable Dec 5 to holders of record Nov 18; FY capital return expected at high end of $300-350M range."],"consensus_eps_estimate":null,"consensus_eps_actual":3.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":899998000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":211646,"accession_number":"0001823529-24-000157","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-07-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q2 2024 net income $184M ($1.16 EPS); adjusted operating income $201M ($1.27 EPS); dividend raised to $0.185","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $184M, up 10% vs Q2 2023; diluted EPS $1.16 vs $1.04 YoY.","Adjusted operating income $201M ($1.27 EPS) vs $178M ($1.10 EPS) YoY.","Record primary insurance-in-force $266B (+3% YoY); NIW $14B, up 29% from Q1 2024.","PMIERs sufficiency 169% ($2,057M above requirement); new $250M buyback authorized, $226M remaining.","Quarterly dividend increased to $0.185/share from $0.16, payable Sept 9, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":2.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":590410000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230368,"accession_number":"0001140361-24-027710","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-05-28T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"Enact Holdings issues $750M of 6.250% Senior Notes due 2029, to redeem $750M of 2025 notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $750M of 6.250% Senior Notes due 2029 under an underwriting agreement with J.P. Morgan, Citigroup, Goldman Sachs.","Net proceeds of ~$742.3M; intends to redeem all $750M of 6.500% Senior Notes due 2025 on June 3, 2024.","Redemption notice for the 2025 Notes delivered to trustee on May 23, 2024; redemption price includes Applicable Premium.","Notes pay interest semi-annually at 6.250%, mature May 28, 2029; callable at make-whole plus 30 bps before Par Call Date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230367,"accession_number":"0001823529-24-000124","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-05-20T23:59:59+00:00","items":["3.03","5.03","5.07","9.01"],"status":"ready","headline":"Enact Holdings shareholders approve officer exculpation amendment, elect directors","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amendment to limit liability of certain officers approved: 139.8M for, 13.6M against.","All 11 director nominees elected; Thomas McInerney had 7.9M votes withheld.","Advisory vote on named executive officer compensation passed: 152.3M for, 1.1M against.","Ratification of KPMG as independent auditor approved: 153.96M for, 1.02M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230366,"accession_number":"0001823529-24-000101","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-05-01T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Enact Q1 net income $161M ($1.01 EPS); board authorizes $250M buyback and 16% dividend hike","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q1 net income $161M ($1.01 diluted EPS); adjusted operating income $166M ($1.04).","Record primary insurance-in-force $264B (+4% YoY); NIW $11B; loss ratio 8%.","PMIERs sufficiency 163% ($1,883M above requirements); S&P upgraded EMICO to A-.","Dividend increased 16% to $0.185/share payable June 13, 2024 to holders of record May 29.","New $250M share repurchase authorization; $24M remains on existing $100M program."],"consensus_eps_estimate":null,"consensus_eps_actual":1.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":291576000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}